If you are unsure what is the right insurance product for you, allow us to help you. The Rapid Decision Term Policy is one of the most popular choices since it includes an Accelerated Death Benefit, and offers the Return of Premium and the Waiver of Premium riders. There is also the Dependant Child and the Accidental Death which can be added to the policy. The Accelarated Death Benefit allows policy holders to better deal with medical expenses by staying ahead of them. It can be paid as a lump sum payment or by means of installments, and after the policy holder passes away the beneficiary will receive the balance of the insurance payout. Our insurance specialists will be able to explain how this policy works in more detail, and you will be able to benefit from the best insurance rates on the market.